Welcome to the Jill on Money show. It's Monday, February 9th, and we are here answering your

financial questions. If you've got one, just give us a haul or go to jillonmoney.com,

click the contact us button, write us a note. And if you'd like to join us live, check the box.

Mark will be happy to get you on the program. And I'm always very delighted when we do have you come on with us. We can ask

follow-up questions. It's a, you know, we're very nosy. Mark and I are basically voyeurs. We're

voyeurs with certified financial planner designation. So that's

why we're good at what we do. And hopefully when you're on that website, you will see all the stuff

that lives there, including the ability to sign up for our free weekly newsletter, which will also

entitle you to the blog. You will see that we've got another podcast called Money Watch. You

click on the podcast link. You can subscribe there. We've got a radio show, videos, resources,

so much there. So check that out. Okay, today we are joined by Phil from Minneapolis.

Phil, welcome to the program. What can we do for you? Well, initially I was

planning on asking you whether I get retired, 67, but after doing some introspection over

the last few weeks, I'm looking at retiring at the end of the year. How old are you right now?

64. What happened? Like, what changed, what moved the clock up?

You went from 67 basically to 64, 65.

What happened for you?

Eight years ago, I got laid off, and at the time, didn't have enough, did ever plan

on retiring because I never thought he'd have enough money.

And then my end up getting

a really good job and used my severance to pay off all my bills. And then I'm like, I got a chance.

So I'll just go all in on stocks. I was doing it did really well. And then last year, both my parents

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